Firstly, when I opened my account it advised me that it would initially transfer £10 to my Revolut card as a test, this happened but I’ve just noticed that for some reason two £10 transactions were made by Revolut.

Secondly, although I’m a UK citizen I don’t hold an active passport, drivers license or government ID so it’s not allowing me to activate my Revolut card and therefore my two £10 transfers, one of which was unauthorised, is unable to be accessed.

My £20 is on my account but it’s not allowing me to even transfer it back to my bank account because of the very limited options available to activate my account. Unless this is able to be resolved on here I don’t think that I have any other options but to treat those money transfers as fraudulent and pursuing them as such via my bank.

The issue is, my phone’s camera is broken so I’m unable to take pictures on it and the forms of ID you allow (passport or driving licence) I don’t have as I’ve never driven before and I’ve never left my country. I’ve lived in England my whole life and never had the need for ID so what am I to do with the £11 I topped up in my account?

Once you have signed up you will have to verify your account. You need to verify your identity in order to top up and use your Revolut account. This policy is in line with a UK banking regulation called 'Know your Customer’ (KYC) and is the process of a business verifying the identity of its clients. It is simply an anti-corruption and fraud measure.

Topping up your account is not equivalent to verifying your identity, as it is only the submission of a payment method (for topping up.).

In addition, payment methods (such as debit/credit cards.) can be stolen. Therefore to ensure the integrity of the global financial system, safeguards are put in place (KYC/AML regulation, laws and policies.) in order to prevent this from happening.

Due to the sensitive nature of our work, which involves moving large amounts of funds on a daily basis, we are obliged to comply with government regulations regarding money laundering, fraud or even terrorism funding. Once we can safely determine the source of the funds being uploaded and passed through our system, we can raise your top up limits to ensure you can continue to use our service without any issue.

We understand that it is a hassle to have to provide this documentation, and we also understand that this is highly sensitive information, which is why we ensure to comply with all relevant data protection and data privacy regulations and EU directives.

If you read my original post you’d see that I am not able to verify my account due to not owning any of the documentation that you require to validate the account. This is why my money to be returned to the account that you took it from.

Please bear in mind that £10 of the £20 that you taken from me is an unauthorised transaction, you’ve taken money from my account without my permission. This has already been explained in my original post.

You will return my money too me or I will pursue it through my bank as a fraudulent transaction and mandate a chargeback, which will then incur additional charges on your side.

Give me my money back or you will force me to pursue this via alternative methods.

Secondly, although I’m a UK citizen I don’t hold an active passport, drivers license or government ID so it’s not allowing me to activate my Revolut card and therefore my two £10 transfers, one of which was unauthorised, is unable to be accessed.

I am disabled, I don’t have a passport because I can’t travel and the same goes for a driving license.

It’s really awkward for me to communicate like this, all I need is for you to send my £20 back to the account you took it from. Please help with this, I no longer want an account with you, I just want the money back that you took from me.